Business Insurance for Owner Operators

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An accident or lawsuit could devastate a small trucking business. Gain protection against the unexpected with insurance coverage that matches the risks of owner-operator truckers.

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Get the right insurance

Insureon's licensed agents help owner-operators find policies that match the unique risks of the trucking industry. Fill out our online application to get quotes from top insurers and expert advice.

What types of business insurance do owner operators need? 

These insurance policies cover common risks faced by owner-operators.

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Commercial auto insurance

This type of commercial truck insurance coverage can pay for a trucking company's legal defense costs in an accident. It can also cover vehicle theft and vandalism.

  • Truck accidents
  • Vehicle theft
  • Physical damage coverage
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General liability insurance

This liability insurance coverage can help pay for third-party accidents, such as trips or falls in a dispatch office or on grounds used for storage.

  • Third-party medical expenses
  • Third-party property damage
  • Libel and slander lawsuits
Looking for different coverage? See more policies.

Why do owner operators need insurance?

Owner-operator truck insurance can cover lawsuits over physical damage, bodily injury, and accidental death, and also help you comply with laws and client contracts. Most states have insurance requirements for auto liability coverage, which can protect you from the high costs of an auto accident. You likely also need additional coverage, such as general liability insurance to defend against common third-party lawsuits.

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